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*Please note when submitting salary information for sole proprietors on the life and disability enrollment form, “Earnings” means your net profit averaged for the lesser of:
a) the 2 most recent years just prior to your Date of Disability; or
b) the period that you have been a sole proprietor, if you have been a sole proprietor for less than 3 years. 

Annual, Monthly and Weekly net profit is figured on Form 1040 Schedule C as the gross income less total deductions. Deductions do not include depreciation or expenses for business use of home. Earnings do not include income received from sources other than Your Form 1040 Schedule C earnings.